Call reports 2022
CITIZENS' BANK, INC. — 2022
What CITIZENS' BANK, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 145,946,000 | 146,111,000 | 147,413,000 | 148,793,000 |
| Total loans | 70,715,000 | 72,682,000 | 70,080,000 | 69,707,000 |
| Allowance for loan losses | 1,290,000 | 1,260,000 | 1,274,000 | 855,000 |
| Securities available for sale | 49,420,000 | 52,490,000 | 37,074,000 | 39,146,000 |
| Securities held to maturity | 515,000 | 515,000 | 17,773,000 | 17,794,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,478,000 | 134,286,000 | 138,833,000 | 138,994,000 |
| Interest-bearing deposits | 77,202,000 | 79,941,000 | 83,856,000 | 87,825,000 |
| Noninterest-bearing deposits | 56,276,000 | 54,344,000 | 54,977,000 | 51,169,000 |
| Equity capital | 11,972,000 | 10,417,000 | 8,061,000 | 9,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,339,000 | 3,603,000 | 5,062,000 |
| Interest expense | 49,000 | 119,000 | 231,000 | 437,000 |
| Net interest income | 967,000 | 2,220,000 | 3,372,000 | 4,625,000 |
| Noninterest income | 140,000 | 270,000 | 390,000 | 512,000 |
| Noninterest expense | 930,000 | 1,818,000 | 2,771,000 | 3,781,000 |
| Provision for loan losses | -80,000 | -80,000 | -80,000 | -497,000 |
| Pretax income | 257,000 | 752,000 | 1,071,000 | 1,460,000 |
| Income tax | 0 | 25,000 | 47,000 | 61,000 |
| Net income | 257,000 | 727,000 | 1,024,000 | 1,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,032,000 | 15,502,000 | 14,477,000 | 14,530,000 |